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Business Interruption Insurance

For many business owners, running the business is the lifeblood of their livelihood. Business interruption insurance is essential coverage for business owners to protect their business from unexpected losses that can halt business operations. This type of insurance helps cover your business expenses if your business is forced to temporarily stop operations due to an accident, fire, natural disaster, or other unforeseen events.

At Hunter Broking, we understand the importance of business interruption insurance and have access to a wide network of providers with comprehensive coverage to protect your business. We can work with you to tailor a policy that meets your specific business needs and can help you get back on your feet after an unexpected interruption.

Don't let an unforeseen event put your business on hold and get a business interruption insurance policy today.

Why do I need business interruption insurance cover?

In the event of a setback, without business interruption insurance cover, business owners can quickly find themselves struggling to stay afloat. This type of insurance helps cover business expenses when business operations are temporarily halted due to an accident, fire or natural disaster.

This insurance is essential coverage for business owners because it can help you keep your business running up again after a hitch.

Who needs business interruption insurance?

Almost any business can benefit from business interruption insurance. Whether you operate a large corporation or run a small start-up business, unexpected events and business interruptions can happen at any time. This type of insurance is vital for business owners who want to protect their businesses against these types of risks.

Small business insurance brokers like Hunter Broking can help business owners find the most appropriate business interruption insurance policy for their business needs.

Hunter Broking can help business owners find the most appropriate insurance policy for their business needs. So whether you need coverage for a large corporation or small business insurance, contact us today!

What business interruption insurance covers

There are many different types of business interruption insurance policies, but there are some common features that most policies cover. Business interruption insurance typically covers:

The expenses that your business incurs while operations are suspended, such as rent or mortgage payments on business space, employee salaries, utility bills.
Lost business income resulting from a covered interruption event.
Extra expenses incurred to continue operations during the business interruption, such as additional utility costs.
The cost of relocating your business if your business space is rendered unusable by a covered event.
Accounts receivable
Claims preparation costs

If you are a business owner looking to protect your business from unexpected losses, consider getting business interruption insurance. At Hunter Broking, we work with you to find the most appropriate policy for your business. Get in touch with us today to learn more.

Contact Trusted Business Insurance Brokers

To learn more about business interruption insurance and how it can help protect your business, get in touch with us today. With access to comprehensive coverage options and expert advice, we can help you find the most appropriate business insurance policy for your needs. Get in touch with us today to learn more!

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General contents with set limits	Limit	Option to increase limits?
Jewellery, or items containing gold or silver	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Watches (except smart watches)	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Cameras and photographic equipment and accessories	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Collections or sets, like stamps, memorabilia, documents, medals or coins	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Pictures, paintings, works of art	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Antiques or Oriental rugs	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Commercially recorded or downloaded media content, including audio, video, phone or tablet applications and games	$2,000 in total
Spare parts or accessories (excluding keys) which are not fitted or being used for the following: motor vehicles farm vehicles caravans and trailers watercraft aircraft	$4,000 in total
Money, cheques, and other negotiable instruments	$2,000 in total
Contents intended to be kept outside, like Your barbeque, outdoor furniture and children’s play equipment.	$10,000 in total
Contents in a locked storage cage in the basement of a strata title development at the insured address	$5,000 in total
Laptops, tablets, mobile phones, portable computers and their accessories (see optional Listed Portable Contents cover on page 48 for ways to increase limits on these items)	$3,500 per item
Smart watches and other wearable technology	$1,500 per item
Drones and other remotely or autonomously piloted aircraft (covered only when not in use and not used for business).	$1,500 per item

Contents used for business
Specific equipment used for business, trade, or professional purposes, including: computers, hardware and software tools or musical instruments photographic equipment	up to $10,000 in total
Stock for business, trade or professional purposes.	$5,000 total

Hunter Broking Group Pty Ltd T/As Hunter Broking Group | ABN 97 622 090 715
Corporate Authorised Representative No. 1263174 Corporate Authorised Representative of Aviso Select Pty Ltd T/as Aviso Select
Hunter Broking Group Pty Ltd endorses the Insurance Brokers Code of Practice. To obtain a copy of the code click here Insurance Brokers Code of Practice

Disclaimer:

The information provided by Hunter Broking Group Pty Ltd on this website is for general information purposes only, and it is not a substitute for professional advice. You should always consider the PDS/Policy wording before making a decision. Coverage may differ based on specific clauses in individual policies. Refer to the FSG on our website or by requesting a copy for our services and remuneration details.

Business Interruption Insurance

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